{"id":674,"date":"2024-04-24T16:24:58","date_gmt":"2024-04-24T16:24:58","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/\/business-insurance\/life-coach-insurance\/"},"modified":"2026-05-06T16:06:45","modified_gmt":"2026-05-06T16:06:45","slug":"life-coach-insurance","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/life-coach-insurance\/","title":{"rendered":"Life coach insurance"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull hero-insurance has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-3bed416a wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--90);padding-left:var(--wp--preset--spacing--80)\">\n<div class=\"wp-block-group alignwide hero-insurance__grid is-nowrap is-layout-flex wp-container-core-group-is-layout-b6b71352 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group hero-insurance__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h1 class=\"wp-block-heading has-text-align-left has-x-large-font-size\" id=\"h-seo-h1\">{{SEO H1}}<\/h1>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-medium-font-size wp-elements-db64829db084670a428ca3a064542a19 wp-block-paragraph\" style=\"line-height:1.7\">{{STRAP LINE COPY}}<\/p>\n\n\n\n<div class=\"wp-block-group hero-insurance__cta-row has-azure-300-background-color has-background is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-cb46ffcb wp-block-group-is-layout-flex\" style=\"border-radius:8px\">\n<p class=\"has-medium-font-size wp-block-paragraph\">Get tailored quotes in&nbsp;<strong>7 minutes<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">UK-based expert support, online and on the phone<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Get covered and all your documents the same day<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Get tailored insurance quotes for life coaches from trusted brands<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{USP BULLET 4}}<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-xsmall-font-size wp-elements-f15715711d018229a5bc7da098573735 wp-block-paragraph\" style=\"line-height:1.7\">{{HERO DISCLAIMER}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group hero-insurance__img-container has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/LandingPage_LifeCoach.png?w=800\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A life coach talking to a client on a sofa\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/LandingPage_LifeCoach.png 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/LandingPage_LifeCoach.png?resize=768,432 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/LandingPage_LifeCoach.png?resize=150,84 150w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-0111f410 wp-block-columns-is-layout-flex has-3-columns wp-block-block\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-f98a563b5597620ea8c0a3b82a1fd257 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--20)\">Compare quotes from leading brands<\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-layout-flex wp-container-core-group-is-layout-f0b9e014 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"88\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/AIG.png\" alt=\"AIG insurance logo\" class=\"wp-image-26362\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"66\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/axa.webp\" alt=\"Axa insurance logo\" class=\"wp-image-6226\" style=\"width:33px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"73\" height=\"33\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Churchill_Logo_Colour.png\" alt=\"Churchill insurance logo\" class=\"wp-image-34276\" style=\"width:73px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"119\" height=\"83\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Asset-2-1.png\" alt=\"Covea insurance logo\" class=\"wp-image-38892\" style=\"width:57px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"67\" height=\"33\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/hiscox.webp\" alt=\"Hiscox insurance logo\" class=\"wp-image-19204\" style=\"width:65px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"98\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp\" alt=\"Zurich insurance logo\" class=\"wp-image-10327\" style=\"width:49px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp 98w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp?resize=96,66 96w\" sizes=\"auto, (max-width: 98px) 100vw, 98px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7ce07128 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"69\" height=\"105\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/03\/Rating_33x50_150_92f8c1.png\" alt=\"Thumbs up emoji\" class=\"wp-image-34299\" style=\"width:33px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-f1189ed3 wp-block-group-is-layout-flex\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-6f58445ff9241e0ffe20be82ffeb3712 wp-block-paragraph\" style=\"margin-bottom:0;line-height:1.7\"><strong>Rated 4.5\/5<\/strong><\/p>\n\n\n\n<p class=\"has-yellow-400-color has-text-color has-link-color has-xxs-font-size wp-elements-50340db96b63934a24afd89a65e92cd7 wp-block-paragraph\" style=\"padding-bottom:var(--wp--preset--spacing--10)\"><svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg><\/p>\n<\/div>\n\n\n\n<p class=\"has-azure-500-color has-text-color has-link-color wp-elements-361daf516b3dd5bf0bd7f5d885ccc85f wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.7\">Based on&nbsp;40k&nbsp;reviews<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7ce07128 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"69\" height=\"105\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/03\/Claims_33x50_150_8c1442.png\" alt=\"24 hour clock emoji\" class=\"wp-image-34300\" style=\"width:33px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-f1189ed3 wp-block-group-is-layout-flex\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-19421ae9553e0d28e65ad157e6bc0bac wp-block-paragraph\" style=\"margin-bottom:0;line-height:1.7\"><strong>Claims paid in 24 hours<\/strong><mark class=\"has-inline-color has-yellow-400-color\"><\/mark><\/p>\n\n\n\n<p class=\"has-yellow-400-color has-text-color has-link-color has-xxs-font-size wp-elements-c1ca888616921a368ecc273fe13fad71 wp-block-paragraph\"><\/p>\n<\/div>\n\n\n\n<p class=\"has-azure-500-color has-text-color has-link-color wp-elements-d1190afa2e0a7bfbd4846d98d6c6a62f wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.7\">For over 95% of settled claims<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"sticky-navigation-block alignwide wp-block-simply-business-sticky-navigation\">\n\t<div class=\"site-container sticky-navigation-block__container\">\n\t\t<div class=\"sticky-navigation-block__title\">\n\t\t\t<p>What&#039;s on this page<\/p>\n\t\t<\/div>\n\t\t<ul class=\"sticky-navigation-block__list\" tabindex=\"0\">\n\t\t\t\t\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#why-is-insurance-important\">Why is insurance important?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#what-does-it-cover\">What does it cover?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#how-much-does-it-cost\">How much does it cost?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#how-do-i-choose-insurance\">How do I choose insurance?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#how-do-claims-work\">How do claims work?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#faqs\">FAQs<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#helpful-articles\">Helpful articles<\/a>\n<\/li>\n\n\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"why-is-insurance-important\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"whydoyouneedlifecoachinginsurance\">Why do you need life coaching insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Clients trust you to make real, meaningful change in their lives. It\u2019s a collaboration, of course, but when it comes to mistakes or accidents, claims are real and can leave you owing thousands. From professional indemnity insurance and legal protection to your essential kit, we\u2019re committed to help protect the business you\u2019ve built.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\"><strong>life coach insurance with UK-based claims support<\/strong> available 24\/7<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>peace of mind<\/strong>, letting you focus on your clients, not the cover<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>professional indemnity insurance for life coaches<\/strong>, from \u00a350,000 to \u00a35 million<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"what-does-it-cover\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"insuranceforlifecoachingwhatscovered\">Insurance for life coaching \u2013 what\u2019s covered?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ll start with professional indemnity insurance, top of the list for lots of UK life coaches. This handy cover can protect you against claims for mistakes and errors in your work which end up costing the client money. You can add other popular covers too, like public liability insurance for accidents and injuries, and employers\u2019 liability cover is a legal requirement for most employers in the UK.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"carousel wp-block-simply-business-carousel\">\n\t<div aria-label=\"\" class=\"splide splide--primary\">\n\t\t<div class=\"splide__track\">\n\t\t\t<ul class=\"splide__list wp-block-simply-business-carousel__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Public-liability.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"Man slipping over\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Public-liability.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Public-liability.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tPublic liability insurance for life coaches\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case your life coaching business causes an injury or property damage.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Employee-Injury-or-illness-Employers-Liability.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"Man with his arm in a sling\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Employee-Injury-or-illness-Employers-Liability.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Employee-Injury-or-illness-Employers-Liability.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tEmployers\u2019 liability insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case something happens to an employee while working for your life coaching business.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Loss-causing-advice.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"Question mark and exclamation mark in purple boxes\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Loss-causing-advice.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Loss-causing-advice.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tProfessional indemnity insurance for life coaches\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case there\u2019s a claim for negligence, or breaches in your duty of care.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Contents.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Contents.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Contents.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tBusiness and office equipment insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case things like your phone or laptop are lost, stolen, or damaged\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Legal-expenses.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"Person in front of a document\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Legal-expenses.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Legal-expenses.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tLegal expenses insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case you and your coaching business face legal costs.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Injury-Third-party-injury-Personal-accident.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"A leg in a sling\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Injury-Third-party-injury-Personal-accident.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Injury-Third-party-injury-Personal-accident.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tPersonal accident insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case anyone you\u2019ve covered is accidentally injured, at work or elsewhere.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t<div class=\"splide__arrows\">\n\t\t\t<button class=\"splide__arrow splide__arrow--prev\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M7 3 2 8l5 5m6.5-5h-10\" \/><\/svg>\n\t\t\t<\/button>\n\t\t\t<button class=\"splide__arrow splide__arrow--next\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\" \/><\/svg>\n\t\t\t<\/button>\n\t\t<\/div>\n    <\/div>\n<\/div>\n<div class=\"splide splide--secondary wp-block-simply-business-carousel__content-secondary\">\n\t<div class=\"splide__track\">\n\t\t<ul class=\"splide__list wp-block-simply-business-carousel__content-list\">\n\t\t\t\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"public-liability-insurance-for-life-coachestab-0\">\n\t\n\n<h3 class=\"wp-block-heading\">Public liability insurance for life coaches<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case your life coaching business causes an injury or property damage.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbypublicliabilityinsurance\">What\u2019s typically covered by public liability insurance?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Claims against your business for:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">damage to someone\u2019s property<\/li>\n\n\n\n<li class=\"wp-block-list-item\">injury or illness caused by your coaching business<\/li>\n\n\n\n<li class=\"wp-block-list-item\">accidental damage or injury caused by your employees, if you have any<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">you spill coffee on an expensive beige-coloured carpet while visiting a client at home<\/li>\n\n\n\n<li class=\"wp-block-list-item\">a client trips over your laptop charger cable while you\u2019re setting up for an appointment, breaking their wrist<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What you\u2019ll need additional cover for<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">If you do employ anyone, you\u2019re usually required by law to have employers\u2019 liability insurance too.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"\/business-insurance\/public-liability-insurance\/\" data-type=\"page\" data-id=\"734\">public liability insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"employers-liability-insurancetab-1\">\n\t\n\n<h3 class=\"wp-block-heading\">Employers\u2019 liability insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case something happens to an employee while working for your life coaching business.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbyemployersliabilityinsurance\">What\u2019s typically covered by employers\u2019 liability insurance?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Claims against your business for:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">an injury or illness that comes as a result of working for you (including temps and casual workers)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">*<strong>*<\/strong><a href=\"\/business-insurance\/employers-liability-insurance\/\" data-type=\"page\" data-id=\"370\"><strong>Employers\u2019 liability insurance<\/strong><\/a><strong> is required by law if you have people working for you. Without it, you could be fined up to \u00a32,500 a day for each employee.**<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">your receptionist trips and falls down a flight of stairs on his way out of the office<\/li>\n\n\n\n<li class=\"wp-block-list-item\">an employee suffers concussion when a shelf collapses onto them while moving into a new workspace<\/li>\n<\/ul>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"professional-indemnity-insurance-for-life-coachestab-2\">\n\t\n\n<h3 class=\"wp-block-heading\">Professional indemnity insurance for life coaches<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case there\u2019s a claim for negligence, or breaches in your duty of care.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbyprofessionalindemnityinsurance\">What\u2019s typically covered by professional indemnity insurance?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Claims against your business for:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">advice which turns out to be incorrect<\/li>\n\n\n\n<li class=\"wp-block-list-item\">mistakes in your work that cost others money to fix<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">your client decides to leave her job and invest in her own small business, but suffers a financial loss and blames the advice you\u2019ve given<\/li>\n\n\n\n<li class=\"wp-block-list-item\">you send a follow-up email containing links and discussion points to the wrong client group, causing a GDPR breach<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"\/business-insurance\/professional-indemnity-insurance\/\" data-type=\"page\" data-id=\"720\">professional indemnity insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"business-and-office-equipment-insurancetab-3\">\n\t\n\n<h3 class=\"wp-block-heading\">Business and office equipment insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case things like your phone or laptop are lost, stolen, or damaged<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbybusinessandofficeequipmentinsurance\">What\u2019s typically covered by business and office equipment insurance?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">theft, flood, fire, or accidental damage to the equipment you use to run your business<\/li>\n\n\n\n<li class=\"wp-block-list-item\">operational equipment like your laptop, office printer, and phone<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">one of your laptops gets damaged during an office refurb, and will need replacing<\/li>\n\n\n\n<li class=\"wp-block-list-item\">a leak in your workspace damages your desk and other equipment over the Christmas holidays, and you need to delay a few appointments<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"\/business-insurance\/business-equipment-insurance\/\" data-type=\"page\" data-id=\"496\">business and office equipment insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"legal-expenses-insurancetab-4\">\n\t\n\n<h3 class=\"wp-block-heading\">Legal expenses insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case you and your coaching business face legal costs.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbylegalexpensesinsurance\">What\u2019s typically covered by legal expenses insurance?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">legal costs attributed to your life coaching business<\/li>\n\n\n\n<li class=\"wp-block-list-item\">property damage, nuisance, or trespass \u2013 specifically, the associated legal claims and compensation payouts<\/li>\n\n\n\n<li class=\"wp-block-list-item\">tax and compliance disputes and investigations you need help with<\/li>\n\n\n\n<li class=\"wp-block-list-item\">access to expert advice \u2013 including a tax advice phone line, confidential 24\/7 legal phone line, and crisis PR support to help protect your reputation as an in-demand coach<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">a client is disputing their sessions with you, saying you haven\u2019t met their stated objectives. They\u2019re refusing to pay your invoice, which is now three months overdue<\/li>\n\n\n\n<li class=\"wp-block-list-item\">an employee that left of their own accord is now raising a claim against you for breach of contract and unfair dismissal<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"\/business-insurance\/business-legal-protection-insurance\/\" data-type=\"page\" data-id=\"499\">legal expenses insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"personal-accident-insurancetab-5\">\n\t\n\n<h3 class=\"wp-block-heading\">Personal accident insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case anyone you\u2019ve covered is accidentally injured, at work or elsewhere.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbypersonalaccidentinsurance\">What\u2019s typically covered by personal accident insurance?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">accidental injury or death at or outside of work, for anyone covered on the policy<\/li>\n\n\n\n<li class=\"wp-block-list-item\">lost income, medical costs, and hospitalisation benefit<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">you injure your ankle while running at the weekend, and need to cancel three weeks of in-person appointments<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your employee falls down the stairs at work and breaks their knee \u2013 they need surgery and time off for recovery<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"\/business-insurance\/personal-accident-insurance\/\" data-type=\"page\" data-id=\"705\">personal accident insurance<\/a><\/p>\n\n<\/li>\n\n\t\t<\/ul>\n\t<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-2ea2a5a1c0ffbc1aa74a135770d0b034 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">This content has been created for general information purposes. Make sure you have the right level of <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">business insurance<\/a> by checking your policy documentation for details. <a href=\"\/terms-conditions\/\" data-type=\"page\" data-id=\"1711\">Read our full Terms and Conditions<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-much-does-it-cost\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howmuchdoeslifecoachinginsurancecost\">How much does life coaching insurance cost?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Find out how much you\u2019ll pay by comparing prices from a range of <a href=\"\/business-insurance\/insurers\/\" data-type=\"page\" data-id=\"643\">trusted insurers<\/a>. You choose what goes into your policy, so you only pay for what you need.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group cta-box has-azure-300-background-color has-background is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-cb46ffcb wp-block-group-is-layout-flex\" style=\"border-radius:8px\">\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>{{PRICE MESSAGING}}<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color has-xxs-font-size wp-elements-90c8bcdb05d6f36b866ba0888c76e9e0 is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-azure-800-color has-text-color has-link-color has-xxs-font-size wp-elements-6a7819a8be72bc49312bd8de60cec980 wp-block-paragraph\" style=\"margin-right:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--20)\"><em>{{PRICING CTA DISCLAIMER}}<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"examplelifecoachinginsurancequotesrealprices\">Example life coaching insurance quotes, real prices<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group pricing-box has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns has-border-color is-layout-flex wp-container-core-columns-is-layout-d79c7550 wp-block-columns-is-layout-flex has-2-columns\" style=\"border-color:#cccccc;border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-0f8caa7e wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--20);padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<figure class=\"wp-block-image size-large size-full pricing-box__image\"><img decoding=\"async\" src=\"{{LOGO QUOTE A}}\" alt=\"\" style=\"object-fit:cover\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group is-vertical is-content-justification-right is-layout-flex wp-container-core-group-is-layout-16a37519 wp-block-group-is-layout-flex\">\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-f413a5a648ed7a401ba28b567f54ee2a wp-block-paragraph\" style=\"line-height:1.2\"><strong>{{MONTHLY PRICE QUOTE A}} \/month<\/strong><\/p>\n\n\n\n<p class=\"has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-5a3d935c3efd00eba721bdaff6f76584 wp-block-paragraph\" style=\"line-height:1.7\">{{ANNUAL PRICE QUOTE A}} \/year<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-72ede423982469ecbba424a60b702a25 wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;line-height:1.7\">{{DESCRIPTION QUOTE A}}<\/p>\n\n\n\n<ul style=\"margin-top:var(--wp--preset--spacing--20);margin-right:0;margin-bottom:0;margin-left:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;line-height:1.7\" class=\"wp-block-list pricing-box__details-list has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-144ca3f5d2f5714b0502dd6031facc94\">\n<li class=\"wp-block-list-item\">{{BULLET 1 QUOTE A}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 2 QUOTE A}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 3 QUOTE A}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 4 QUOTE A}}<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column column-list has-neutral-300-color has-text-color has-link-color wp-elements-4cab893a484f41435e7ce1d81f33f1df is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-80e66e9b wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 1 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 1 QUOTE A}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 2 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 2 QUOTE A}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 3 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 3 QUOTE A}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-115c1f0e wp-block-group-is-layout-flex\" style=\"border-bottom-style:none;border-bottom-width:0px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 4 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 4 QUOTE A}}<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group pricing-box has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns has-border-color is-layout-flex wp-container-core-columns-is-layout-d79c7550 wp-block-columns-is-layout-flex has-2-columns\" style=\"border-color:#cccccc;border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-0f8caa7e wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--20);padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<figure class=\"wp-block-image size-large size-full pricing-box__image\"><img decoding=\"async\" src=\"{{LOGO QUOTE B}}\" alt=\"\" style=\"object-fit:cover\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group is-vertical is-content-justification-right is-layout-flex wp-container-core-group-is-layout-16a37519 wp-block-group-is-layout-flex\">\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-1761615dcec384ecea9a504af30bc541 wp-block-paragraph\" style=\"line-height:1.2\"><strong>{{MONTHLY PRICE QUOTE B}} \/month<\/strong><\/p>\n\n\n\n<p class=\"has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-e654ae0339daeeff98fb0bbcde1bc6ca wp-block-paragraph\" style=\"line-height:1.7\">{{ANNUAL PRICE QUOTE B}} \/year<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-d7de148fa6627d2dd40dec329e48bfb9 wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;line-height:1.7\">{{DESCRIPTION QUOTE B}}<\/p>\n\n\n\n<ul style=\"margin-top:var(--wp--preset--spacing--20);margin-right:0;margin-bottom:0;margin-left:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;line-height:1.7\" class=\"wp-block-list pricing-box__details-list has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-159db0980dd7ea8fffc2e0df1de68f70\">\n<li class=\"wp-block-list-item\">{{BULLET 1 QUOTE B}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 2 QUOTE B}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 3 QUOTE B}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 4 QUOTE B}}<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column column-list has-neutral-300-color has-text-color has-link-color wp-elements-a88a70f7571ef790d5a96f3279432ca9 is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-80e66e9b wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 1 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 1 QUOTE B}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 2 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 2 QUOTE B}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 3 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 3 QUOTE B}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-115c1f0e wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 4 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 4 QUOTE B}}<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-b320564db84ec4b9933714f55c53e45f has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em><strong>How we work out example quotes:<\/strong> These examples are real quotes from our online system (created {{EXAMPLE QUOTE DATE}}). They\u2019re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you\u2019re quoted may differ to the ones you see here.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"whatkindofexcessshouldiexpect\">What kind of excess should I expect?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is \u00a3250 and you make a claim worth \u00a31000, your payout will be a maximum of \u00a3750.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">Insurance cover<\/p>\n\n<\/th><th class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">Lowest excess<\/p>\n\n<\/th><th class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">Highest excess<\/p>\n\n<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">Public liability<\/p>\n\n<\/td><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">\u00a3100<\/p>\n\n<\/td><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">\u00a32500<\/p>\n\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">Employers&#8217; liability<\/p>\n\n<\/td><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">No excess<\/p>\n\n<\/td><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">No excess<\/p>\n\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">Tools<\/p>\n\n<\/td><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">\u00a360<\/p>\n\n<\/td><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">\u00a3500<\/p>\n\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">Stock<\/p>\n\n<\/td><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">\u00a3100<\/p>\n\n<\/td><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">\u00a3500<\/p>\n\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">Business and office equipment<\/p>\n\n<\/td><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">\u00a350<\/p>\n\n<\/td><td class=\"has-text-align-left\" data-align=\"left\"><p class=\"wp-block-paragraph\">\u00a3750<\/p>\n\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The figures above are for guidance only and any excess applying to your quote may differ. You\u2019ll get a breakdown of the excesses for each quote when you compare with us.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-it-works\">\n<div class=\"wp-block-group alignwide list-table has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained wp-block-block\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h2 class=\"wp-block-heading\" id=\"h-how-it-works\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">How it works<\/h2>\n\n\n\n<div class=\"wp-block-group list-table__stepper has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--70)\">\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-pick-what-goes-into-your-policy\" style=\"margin-top:0;margin-bottom:0\">Pick what goes into your policy<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-543e61b7840f6aacb7765e2c5f297d36 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Only pay for what you need<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-get-prices-from-a-range-of-insurers\" style=\"margin-top:0;margin-bottom:0\">Get prices from a range of insurers<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-353915448579f5843ccd3d48a6308003 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Choose the best fit for you<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-buy-online-in-minutes\" style=\"margin-top:0;margin-bottom:0\">Buy online in minutes<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-e5970816c7921913b7c8ba5457a2eeb3 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Get your documents the same day<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size has-medium-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center list-table__table is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns list-table__table-column-head is-layout-flex wp-container-core-columns-is-layout-b72f7a82 wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--dark-800);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"390\" height=\"108\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png?w=390\" alt=\"\" class=\"wp-image-26483\" style=\"width:90px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png 390w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png?resize=150,42 150w\" sizes=\"auto, (max-width: 390px) 100vw, 390px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.3\">Direct to<br>insurer<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.3\">Highstreet<br>broker<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns list-table__table-column is-layout-flex wp-container-core-columns-is-layout-a1f62a3c wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--lead-50);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-c155f70b7a56451613a4a356b3b93530 wp-block-paragraph\" style=\"line-height:1.3\">Compare policies from a range of trusted insurers<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-purple.svg\" alt=\"Yes\" class=\"wp-image-1254\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/minus-grey.svg\" alt=\"No\" class=\"wp-image-1252\" style=\"width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-grey.svg\" alt=\"Yes\" class=\"wp-image-1255\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns list-table__table-column is-layout-flex wp-container-core-columns-is-layout-a1f62a3c wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--lead-50);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-420821db296939de244288cb0da6161e wp-block-paragraph\" style=\"line-height:1.3\">Buy online or over the phone in minutes<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-purple.svg\" alt=\"Yes\" class=\"wp-image-1254\" style=\"object-fit:cover;width:30px;height:30px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-grey.svg\" alt=\"Yes\" class=\"wp-image-1255\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/minus-grey.svg\" alt=\"No\" class=\"wp-image-1252\" style=\"width:30px\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-do-i-choose-insurance\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howdoichooseinsurance\">How do I choose insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Making sure you have the right type and level of <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">business insurance<\/a> can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"carousel wp-block-simply-business-carousel\">\n\t<div aria-label=\"\" class=\"splide splide--primary\">\n\t\t<div class=\"splide__track\">\n\t\t\t<ul class=\"splide__list wp-block-simply-business-carousel__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Employee-Injury-or-illness-Employers-Liability.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"Man with his arm in a sling\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Employee-Injury-or-illness-Employers-Liability.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Employee-Injury-or-illness-Employers-Liability.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tWhich type of workers do I need insurance for?\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons_Correct-Cover.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons_Correct-Cover.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons_Correct-Cover.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tDoes life coaching insurance cover my work correctly?\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons_Other-Cover.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons_Other-Cover.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons_Other-Cover.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tDo I need cover for other types of work?\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Public-liability.png?w=100\" class=\"wp-block-simply-business-carousel__icon\" alt=\"Man slipping over\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Public-liability.png 100w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/Website_Icons__Public-liability.png?resize=96,96 96w\" sizes=\"auto, (max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tWhich public liability cover limit should I choose?\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t<div class=\"splide__arrows\">\n\t\t\t<button class=\"splide__arrow splide__arrow--prev\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M7 3 2 8l5 5m6.5-5h-10\" \/><\/svg>\n\t\t\t<\/button>\n\t\t\t<button class=\"splide__arrow splide__arrow--next\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\" \/><\/svg>\n\t\t\t<\/button>\n\t\t<\/div>\n    <\/div>\n<\/div>\n<div class=\"splide splide--secondary wp-block-simply-business-carousel__content-secondary\">\n\t<div class=\"splide__track\">\n\t\t<ul class=\"splide__list wp-block-simply-business-carousel__content-list\">\n\t\t\t\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"which-type-of-workers-do-i-need-insurance-fortab-0\">\n\t\n\n<h3 class=\"wp-block-heading\">Which type of workers do I need insurance for?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Employers\u2019 liability insurance is a legal requirement if you employ people.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers\u2019 liability insurance is required by law.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read on for our simplified guide to the difference between <a href=\"\/knowledge\/staff\/what-is-bona-fide-subcontractor-labour-only-subcontractor\/\" data-type=\"knowledge\" data-id=\"925\">labour-only subcontractors and bona fide subcontractors<\/a>.<\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"does-life-coaching-insurance-cover-my-work-correctlytab-1\">\n\t\n\n<h3 class=\"wp-block-heading\">Does life coaching insurance cover my work correctly?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Make sure you&#8217;re picking the right cover to protect you properly. It&#8217;s important to know that if you have another trade or job, you&#8217;ll need additional cover. For example, do you need to consider <a href=\"\/business-insurance\/lifestyle-consultants-insurance\/\" data-type=\"page\" data-id=\"675\">life style insurance<\/a> or <a href=\"\/business-insurance\/fitness-instructor-insurance\/\" data-type=\"page\" data-id=\"608\">fitness instructor insurance<\/a>?<\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"do-i-need-cover-for-other-types-of-worktab-2\">\n\t\n\n<h3 class=\"wp-block-heading\">Do I need cover for other types of work?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you provide other services, make sure you\u2019re covered:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/nutritionists-insurance\/\" data-type=\"page\" data-id=\"698\">Nutritionist insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/dance-teacher-insurance\/\" data-type=\"page\" data-id=\"555\">Dance teacher insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/gym-insurance\/\" data-type=\"page\" data-id=\"621\">Gym insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/personal-trainer-insurance\/\" data-type=\"page\" data-id=\"707\">Personal trainer insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/holistic-therapy-insurance\/\" data-type=\"page\" data-id=\"544\">Complementary therapy insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/counselling-insurance\/\" data-type=\"page\" data-id=\"550\">Counselling insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/massage-insurance\/\" data-type=\"page\" data-id=\"681\">Massage insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/self-employed-insurance\/\" data-type=\"page\" data-id=\"380\">Self employed insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/alternative-therapy-insurance\/\" data-type=\"page\" data-id=\"628\">Health &amp; alternative therapy insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/by-industry\/health-fitness-and-wellbeing\/\" data-type=\"page\" data-id=\"513\">More health, fitness and wellbeing industry insurance<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Other types of insurance<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/limited-company-insurance\/\" data-type=\"page\" data-id=\"676\">Limited company insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/self-employed-insurance\/\" data-type=\"page\" data-id=\"380\">Self-employed insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/freelancers-insurance\/\" data-type=\"page\" data-id=\"613\">Freelance insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/consultants-insurance\/\" data-type=\"page\" data-id=\"546\">Consultant insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/contractors-insurance\/\" data-type=\"page\" data-id=\"548\">Contractors insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/sole-trader-insurance\/\" data-type=\"page\" data-id=\"755\">Sole trader insurance<\/a><\/li>\n<\/ul>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"which-public-liability-cover-limit-should-i-choosetab-3\">\n\t\n\n<h3 class=\"wp-block-heading\">Which public liability cover limit should I choose?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage \u2013 \u00a31 million, \u00a32 million, or up to \u00a35 million.<\/p>\n\n<\/li>\n\n\t\t<\/ul>\n\t<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-89844a45 wp-block-group-is-layout-constrained wp-block-block\" style=\"padding-top:42px;padding-right:var(--wp--preset--spacing--30);padding-bottom:42px;padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-talk-to-an-expert\">Talk to an expert<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-right:var(--wp--preset--spacing--100);margin-left:var(--wp--preset--spacing--10)\">Our team of UK-based insurance experts are here to help,&nbsp;Mon 09.00am &#8211; 05.30pm, Tues 09.00am &#8211; 05.30pm, Weds 09.00am &#8211; 05.30pm, Thurs 09.30am &#8211; 05.30pm, Fri 09.00am &#8211; 05.30pm, Sat 09.00am &#8211; 02.00pm<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png\" alt=\"\" class=\"wp-image-14026\" style=\"width:97px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png 128w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png?resize=96,96 96w\" sizes=\"auto, (max-width: 128px) 100vw, 128px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:90%\">\n<p class=\"wp-block-paragraph\" style=\"padding-top:0;padding-bottom:0\"><span style=\"color: var(--wp--preset--color--azure-800);font-family: var(--wp--preset--font-family--museo-sans);font-size: revert;font-weight: var(--wp--custom--font--weight--500)\">Call our team<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"padding-top:0;padding-bottom:0\"><a href=\"tel:+443330438527\"><strong>0333 043 8527<\/strong><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-online\"><a href=\"https:\/\/www.simplybusiness.co.uk\/support\/\">Online<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Contact us on our website whenever suits you<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-phone\"><a href=\"tel:+443330438527\">Phone<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Call our insurance experts during office hours (calls are charged at a local rate)<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-faqs\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/\">FAQs<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Find answers to common insurance questions<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-do-claims-work\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howdoclaimswork\">How do claims work?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly \u2013 and with a minimum of fuss. That\u2019s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or <a href=\"\/insurance-claims\/\" data-type=\"page\" data-id=\"467\">claim online<\/a>. They\u2019ll do their best to be fair and supportive.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group pricing-cta has-azure-200-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--30)\">\n<h3 class=\"wp-block-heading has-text-align-center has-azure-700-color has-text-color has-large-font-size\" id=\"pricesstartfrom556permonth\" style=\"padding-top:0;padding-bottom:0\"><strong>{{TRADE CLAIM MESSAGING}}<\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-7a371b99333eebf410dc973851e4fb81 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>{{TRADE CLAIM DISCLAIMER}}<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"exampleclaim\">Example claim<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Having life coach insurance through Simply Business has saved UK professionals thousands of pounds when the unexpected happened.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group pricing-box has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns has-border-color is-layout-flex wp-container-core-columns-is-layout-d79c7550 wp-block-columns-is-layout-flex has-2-columns\" style=\"border-color:#cccccc;border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<h4 class=\"wp-block-heading\" id=\"bryonysavedmorethan1800\">Bryony saved more than <strong>\u00a31,800<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Bryony (not her real name) slipped and injured her wrist on a radiator while putting up some curtains. She needs an operation and won\u2019t be able to drive for at least six weeks. The personal accident cover in her life coaching insurance covered her hospitalisation and lost income costs.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column column-list has-neutral-300-color has-text-color has-link-color wp-elements-d8ac9ccd4a4a2895f88bcfbd71957fe3 is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-amethyst-700-color has-text-color has-link-color wp-elements-22f03c4a6f80da12e88de45bac6b5119 wp-block-paragraph\"><strong>Insurance payout<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-right has-amethyst-700-color has-text-color has-link-color wp-elements-0cf82876e20c3a9216db9b8c493d3322 wp-block-paragraph\">\u00a31,882.00<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Covering the cost of personal accident<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-amethyst-700-color has-alpha-channel-opacity has-amethyst-700-background-color has-background\"\/>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f0342b05 wp-block-columns-is-layout-flex has-2-columns\" style=\"margin-top:0;margin-bottom:0\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-amethyst-700-color has-text-color has-link-color wp-elements-004ebe9321f188a3fefdd4584e73b885 wp-block-paragraph\"><strong>Bryony&#8217;s cost&#8217;s<\/strong> <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-right has-amethyst-700-color has-text-color has-link-color wp-elements-4b2261608de286b5fd3295464f54aff8 wp-block-paragraph\"><strong>\u00a3100<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The excess amount stated in Bryony\u2019s policy terms<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-group alignfull has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--120);padding-bottom:var(--wp--preset--spacing--120)\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-neutral-700-color has-text-color has-link-color has-xx-large-font-size wp-elements-e14f76137fe10a2b08dbfb960dce5899 wp-block-paragraph\" style=\"padding-bottom:var(--wp--preset--spacing--30);letter-spacing:0px;line-height:1.2\"><strong>Chosen by nearly one million small business and landlord customers<\/strong><\/p>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-5fb67d827c00dbcd7402c398052ea5ae wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">With insurance for over 1,500 trades, and 9\/10 customers rating us \u2018good\u2019 or \u2018excellent\u2019 on Feefo, you can get tailored quotes in 7 minutes. Compare quotes from leading insurers, buy, and manage your policy \u2013 all in one place.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-2256e7f1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-605425aa wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2.5rem; height: 2.5rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"33\" height=\"32\" fill=\"none\" viewBox=\"0 0 33 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.622 29.829H8.812l-2.055-8.93a1.41 1.41 0 0 1 .22-1.133 1.19 1.19 0 0 1 .96-.513h17.559c.388.008.748.2.96.513.232.332.312.742.22 1.134z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M1.723 29.829H31.71\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M16.716 25.985c1.105 0 2-.86 2-1.922s-.895-1.922-2-1.922-1.999.86-1.999 1.922.895 1.922 2 1.922Zm.001-14.415c3.036 0 5.498-2.366 5.498-5.285S19.753 1 16.717 1s-5.498 2.366-5.498 5.285 2.462 5.285 5.498 5.285\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M23.38 16.375c-1.688-1.835-4.115-2.886-6.663-2.886-2.55 0-4.976 1.05-6.664 2.886\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-27cc22f094adc40f27a74d011fdbe779\" id=\"h-compare-and-buy-in-minutes\" style=\"margin-bottom:0\">Compare and buy in minutes<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-1678a01e7803e76483b7200495ea0631 wp-block-paragraph\" style=\"margin-top:0\">Documents arrive today<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-6969d2fc wp-block-group-is-layout-flex\" style=\"padding-left:var(--wp--preset--spacing--60)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"29\" fill=\"none\" viewBox=\"0 0 27 29\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m7.365 13.579 2.753 3.916a1.18 1.18 0 0 0 1.918.058l8.811-11.169\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M3.164 1.99c-.93 0-1.685.756-1.685 1.688v10.126c0 5.415 8.128 11.44 10.89 13.23.552.36 1.263.36 1.814 0 2.763-1.79 10.89-7.815 10.89-13.23V3.678a1.69 1.69 0 0 0-1.685-1.688z\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-118c8280014805ccb4ac91f06f5b1338\" id=\"h-rated-uk-sb-feefo-score\" style=\"margin-bottom:0\">Rated 4.5\/5<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-b38a3849b2977c4333453f8104a5603c wp-block-paragraph\" style=\"margin-top:0\">Based on 40k <a href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/simply-business\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" rel=\"noopener noreferrer\" target=\"_blank\">Feefo<\/a><a href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/simply-business\" rel=\"noopener noreferrer\" target=\"_blank\"> reviews<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-horizontal is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-e5fbeb3a wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-302f6e57 wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--60)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29\" height=\"32\" fill=\"none\" viewBox=\"0 0 29 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M16.142 20.699a1.995 1.995 0 0 1-2.884 0l-5.367-5.6a4.04 4.04 0 0 1-.755-4.656v0a4.025 4.025 0 0 1 6.452-1.048l1.112 1.107 1.112-1.113a4.025 4.025 0 0 1 6.452 1.048v0a4.04 4.04 0 0 1-.755 4.655z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M1.718 5.232v10.151c0 4.964 2.17 11.733 11.548 15.35a4 4 0 0 0 2.868 0c9.375-3.61 11.547-10.428 11.547-15.35V5.232a1.98 1.98 0 0 0-1.155-1.816A28.9 28.9 0 0 0 14.7 1 28.9 28.9 0 0 0 2.874 3.416a1.98 1.98 0 0 0-1.156 1.816\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-11298f433c5c8a656f0286dbaea945fd\" id=\"h-here-to-help\" style=\"margin-bottom:0\">Here to help<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-e907ebeab2058a1716e249ffa2128461 wp-block-paragraph\" style=\"margin-top:0\">Help from UK-based experts<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-eba800c7 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"32\" fill=\"none\" viewBox=\"0 0 35 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M30.801 1h-26.1a1.07 1.07 0 0 0-1.046.839l-1.953 8.804a3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.209 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214l-1.955-8.804A1.07 1.07 0 0 0 30.8 1Z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M11.331 31V20.286m0 0h1.07a3.21 3.21 0 0 1 3.21 3.214 3.21 3.21 0 0 1-3.21 3.214h-1.07\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M4.912 20.286a2.14 2.14 0 0 0-2.14 2.142v6.429a2.141 2.141 0 1 0 4.28 0v-6.429a2.14 2.14 0 0 0-2.14-2.142\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.17 31h-2.14c-1.181 0-2.14-.96-2.14-2.143v-6.429c0-1.183.959-2.142 2.14-2.142h2.14m-4.28 6.428h4.28M28.45 31V20.286L32.73 31V20.286\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-6dbac112d39cf9d89ecc0a895b22fac1\" id=\"h-24-7-claims\" style=\"margin-bottom:0\">24\/7 claims<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-9787d1adb445f0193cb88f694938936c wp-block-paragraph\" style=\"margin-top:0\">Make a claim any time<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"faqs\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"lifecoachinsurancefaqs\">Life coach insurance FAQs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you\u2019re new to buying business insurance or you\u2019ve been trading for a while, here are the answers to some commonly asked questions about insurance for life coaching. You can also check out our <a href=\"\/business-insurance\/faq\/\" data-type=\"page\" data-id=\"572\">business insurance FAQs<\/a>.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-2&quot;,&quot;contentId&quot;:&quot;tenup-accordion-2-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-2-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-2-content\" aria-expanded=\"false\" id=\"tenup-accordion-2-header\" class=\"tenup-uikit-container-1 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDo life coaches need insurance?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-2-header\" id=\"tenup-accordion-2-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">This depends on your business, your clients, and the contracts you\u2019re taking on. If you\u2019re certified by your industry body, then you may need professional indemnity insurance in order to operate. But even if it\u2019s not mandatory for your job, professional indemnity cover will still be a priority for many life coaches.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, your bigger client may require you to have \u00a375,000 of professional indemnity insurance in place before taking on their project. We offer between \u00a350,000 and \u00a35 million in PI cover, so it should be a quick job to find the right level for your policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From there, lots of businesses choose to include public and liability cover \u2013 in case they cause an accident \u2013 plus insurance for their kit. And remember, employers\u2019 liability insurance is a legal requirement for most businesses with employees.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-4&quot;,&quot;contentId&quot;:&quot;tenup-accordion-4-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-4-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-4-content\" aria-expanded=\"false\" id=\"tenup-accordion-4-header\" class=\"tenup-uikit-container-3 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tCan I add cover for a different trade or profession to my business insurance policy?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-4-header\" id=\"tenup-accordion-4-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Yes. It\u2019s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you\u2019re a life coach, you may also do the odd consultancy job for other startups in your network \u2013 you\u2019ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you\u2019ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-6&quot;,&quot;contentId&quot;:&quot;tenup-accordion-6-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-6-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-6-content\" aria-expanded=\"false\" id=\"tenup-accordion-6-header\" class=\"tenup-uikit-container-5 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWill changing from sole trader to limited company affect my insurance policy?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-6-header\" id=\"tenup-accordion-6-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It\u2019ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It\u2019s worth bearing in mind that your insurer and premium amount may need to change.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-8&quot;,&quot;contentId&quot;:&quot;tenup-accordion-8-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-8-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-8-content\" aria-expanded=\"false\" id=\"tenup-accordion-8-header\" class=\"tenup-uikit-container-7 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDoes public liability insurance cover my business for the actions of my employees?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-8-header\" id=\"tenup-accordion-8-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">This will depend on whether you have employers\u2019 liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers\u2019 liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>If you employ people, you\u2019re required by law to have employers\u2019 liability insurance.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There\u2019s one exception here. Family businesses that aren\u2019t incorporated as a limited company are not legally required to have employers\u2019 liability insurance. The government defines a \u201cfamily business\u201d as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers\u2019 liability insurance, it\u2019s important to know that your public liability insurance wouldn\u2019t cover you against damage or injury caused by your team.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-e38ea13205ba8db4d8b3cfc74a6b9239 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained wp-block-block\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. <a href=\"\/terms-conditions\/\">Read our full Terms and Conditions<\/a><\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group wp-block-group--author-bio has-azure-200-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80);padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--80)\">\n<div class=\"wp-block-co-authors-plus-coauthors is-layout-flow wp-block-co-authors-plus-coauthors-is-layout-flow\"><div class=\"wp-block-co-authors-plus-coauthor\"><div class=\"wp-block-group is-reduced-gap is-nowrap is-layout-flex wp-container-core-group-is-layout-0ebbc8f5 wp-block-group-is-layout-flex wp-block-null\" style=\"margin-bottom:var(--wp--preset--spacing--20);padding-right:0;padding-left:0\"><div class=\"wp-block-co-authors-plus-avatar\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=38\" width=\"48\" height=\"48\" sizes=\"auto, 48px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=19 24w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=38 48w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=77 96w\" style=\"border-radius:100px;\"\/><\/div><div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><p class=\"has-azure-800-color has-text-color has-link-color has-xxs-font-size wp-elements-de426fab6e76d6ad2546f65b5fa7f93b wp-block-paragraph\" style=\"margin-top:var(--wp--preset--spacing--10);margin-bottom:0;font-style:normal;font-weight:700;line-height:1.2\">Reviewed by<\/p><p style=\"font-style:normal;font-weight:700;line-height:1.2;\" class=\"wp-elements-5ae0374f373cf4f908ba1fe736fa2376 wp-block-co-authors-plus-name has-text-color has-slate-blue-color has-medium-font-size\">Greg Caswell-Smith<\/p><\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"helpful-articles\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group alignwide post-list-picker has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"h-helpful-articles-for-life-coaches\">Helpful articles for life coaches<\/h3>\n\n\n\n<div class=\"wp-block-columns alignfull is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-4-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-1304 knowledge type-knowledge status-publish has-post-thumbnail hentry category-freelance is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"543\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-to-become-a-life-coach.jpg?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"How to become a life coach\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-to-become-a-life-coach.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-to-become-a-life-coach.jpg?resize=800,533 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-to-become-a-life-coach.jpg?resize=768,512 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-to-become-a-life-coach.jpg?resize=150,100 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/freelance\/how-to-become-a-life-coach\/\" target=\"_self\" >How to become a life coach: the 10-step plan<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-41764 knowledge type-knowledge status-publish has-post-thumbnail hentry category-starting-out is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"458\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/how-to-start-a-business-with-no-money.jpg?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A young female business owner checks a tablet while packing orders\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/how-to-start-a-business-with-no-money.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/how-to-start-a-business-with-no-money.jpg?resize=800,450 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/how-to-start-a-business-with-no-money.jpg?resize=768,432 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/09\/how-to-start-a-business-with-no-money.jpg?resize=150,84 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/starting-out\/how-to-start-a-business-with-no-money\/\" target=\"_self\" >How to start a business with no money in the UK<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-1407 knowledge type-knowledge status-publish has-post-thumbnail hentry category-business-structure category-business-tax category-self-assessment is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"549\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-long-to-keep-tax-records.jpg?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Business owners looking at paperwork in a warehouse\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-long-to-keep-tax-records.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-long-to-keep-tax-records.jpg?resize=800,539 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-long-to-keep-tax-records.jpg?resize=768,517 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-long-to-keep-tax-records.jpg?resize=150,101 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/business-tax\/how-long-to-keep-tax-records\/\" target=\"_self\" >How long to keep tax records in the UK (2026 update)<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-47144 knowledge type-knowledge status-publish has-post-thumbnail hentry category-business-tax category-self-assessment category-business-news is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"543\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/02\/is-making-tax-digital-replacing-self-assessment.jpg?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A female business owner works happily on her laptop\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/02\/is-making-tax-digital-replacing-self-assessment.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/02\/is-making-tax-digital-replacing-self-assessment.jpg?resize=800,533 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/02\/is-making-tax-digital-replacing-self-assessment.jpg?resize=768,512 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/02\/is-making-tax-digital-replacing-self-assessment.jpg?resize=150,100 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/self-assessment\/is-making-tax-digital-replacing-self-assessment\/\" target=\"_self\" >Is Making Tax Digital replacing Self Assessment?<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div id=\"newsletter-subscribe\" class=\"wp-block-group newsletter-subscribe is-layout-flow wp-block-group-is-layout-flow wp-block-block\" style=\"border-top-color:#cccccc;border-top-width:1px;padding-top:var(--wp--preset--spacing--80);padding-right:0;padding-bottom:var(--wp--preset--spacing--80);padding-left:0\">\n<p class=\"has-text-align-center has-dark-800-color has-text-color has-link-color has-medium-font-size wp-elements-ced002c3d2e03fde51d8880b5da0f3bb wp-block-paragraph\" 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minutes. We cover 1,100 life coaches like you.<\/p>\n","protected":false},"author":9,"featured_media":24994,"parent":5152,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"sb_hreflang":"en-us","sb_hreflang_url":"https:\/\/www.simplybusiness.com\/business-insurance\/life-coach\/","disable_breadcrumbs":false,"sb_breadcrumbs":[{"text":"Business insurance","url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/"},{"text":"Insurance by industry","url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/by-industry\/"},{"text":"Wellbeing insurance","url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/by-industry\/health-fitness-and-wellbeing\/"},{"text":"Life coach insurance","url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/life-coach-insurance\/"}],"sb_faq_schema":"","sb_phone":"","sb_header_url_text":"","sb_secondary_logo":0,"sb_secondary_logo_url":"","sb_show_primary_cta":true,"sb_primary_cta_text":"","sb_primary_cta_url":"","sb_show_secondary_cta":true,"sb_secondary_cta_text":"","sb_secondary_cta_url":"","sb_show_contact_cta":true,"sb_contact_cta_id":"","sb_primary_cta_id":"","sb_secondary_cta_id":"","sb_no_sticky_header":false,"sb_show_last_updated_date":"","sb_enable_replacement_text":false,"sb_replacement_h1":"","_sb_hreflang_stale":false,"footnotes":""},"hidden-category":[],"import-page-type":[],"coauthors":[458],"class_list":["post-674","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>{{SEO PAGE TITLE}}<\/title>\n<meta name=\"description\" content=\"{{SEO PAGE DESCRIPTION}}\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/life-coach-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Life Coach Insurance from \u00a34.06 per month - Simply Business UK\" \/>\n<meta property=\"og:description\" content=\"Life coach insurance quotes from trusted insurers in 7 minutes. We cover 1,100 life coaches like you.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/life-coach-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Simply Business UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/simplybusiness\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-06T16:06:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/life_coach.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Life coach insurance\" \/>\n<meta name=\"twitter:site\" content=\"@simplybusiness\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"11 minutes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data2\" content=\"Greg Caswell-Smith\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/life-coach-insurance\/\",\"url\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/life-coach-insurance\/\",\"name\":\"{{SEO PAGE TITLE}}\",\"isPartOf\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/life-coach-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/life-coach-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/LandingPage_LifeCoach.png\",\"datePublished\":\"2024-04-24T16:24:58+00:00\",\"dateModified\":\"2026-05-06T16:06:45+00:00\",\"description\":\"{{SEO PAGE DESCRIPTION}}\",\"breadcrumb\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/life-coach-insurance\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/life-coach-insurance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/life-coach-insurance\/#primaryimage\",\"url\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/LandingPage_LifeCoach.png\",\"contentUrl\":\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/08\/LandingPage_LifeCoach.png\",\"width\":800,\"height\":450,\"caption\":\"A life coach talking to a client on a sofa\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/life-coach-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.simplybusiness.co.uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Business Insurance\",\"item\":\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Life coach insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.simplybusiness.co.uk\/#website\",\"url\":\"https:\/\/www.simplybusiness.co.uk\/\",\"name\":\"Simply Business UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.simplybusiness.co.uk\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.simplybusiness.co.uk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@context\":\"http:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Do life coaches need insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This depends on your business, your clients, and the contracts you\u2019re taking on. If you\u2019re certified by your industry body, then you may need professional indemnity insurance in order to operate. But even if it\u2019s not mandatory for your job, professional indemnity cover will still be a priority for many life coaches.    For example, your bigger client may require you to have \u00a375,000 of professional indemnity insurance in place before taking on their project. We offer between \u00a350,000 and \u00a35 million in PI cover, so it should be a quick job to find the right level for your policy.    From there, lots of businesses choose to include public and liability cover \u2013 in case they cause an accident \u2013 plus insurance for their kit. And remember, employers\u2019 liability insurance is a legal requirement for most businesses with employees.\"}},{\"@type\":\"Question\",\"name\":\"Can I add cover for a different trade or profession to my business insurance policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. It\u2019s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you\u2019re a life coach, you may also do the odd consultancy job for other startups in your network \u2013 you\u2019ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you\u2019ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.\"}},{\"@type\":\"Question\",\"name\":\"Will changing from sole trader to limited company affect my insurance policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. 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